Transforming finance through innovation and openness
Kalydos exists to make finance simple, accessible, and limitless by providing cloud-native banking solutions that serve both digitally native and traditional financial institutions. We believe that advanced banking technology should be available to every institution, regardless of size or technical sophistication, while maintaining the highest standards of security, compliance, and reliability that the financial industry demands.
A legacy of Innovation
The evolution from BaaSFlow to Kalydos represents our commitment to continuous innovation in financial technology and our recognition that the future of banking requires a combination of proven reliability and cutting-edge innovation. Founded on the principle that open-source collaboration drives the best technological solutions, we have built our platform on the award-winning Apache Fineract project while adding proprietary enhancements that address the specific needs of modern financial institutions. This approach enables us to deliver enterprise-grade banking solutions with the agility and cost-effectiveness that contemporary markets demand.
Core Values
Innovation Through Collaboration
We believe the best solutions emerge from combining open-source community wisdom with focused commercial development. Our approach leverages collective intelligence while providing the specialized enhancements and support that financial institutions require. This collaborative model accelerates innovation while maintaining the reliability and security that banking demands.
Simplicity in Complexity
Financial services are inherently complex, involving intricate regulations, multiple stakeholder requirements, and sophisticated risk management needs. However, we believe that user experiences should be simple and intuitive, whether for bank employees managing operations or customers accessing services. Our design philosophy prioritizes usability without sacrificing functionality or compliance requirements.
Accessibility Without Compromise
Making advanced banking technology accessible to institutions of all sizes shouldn’t require sacrificing security, compliance, or performance capabilities. We design our solutions to provide enterprise-grade functionality through cost-effective deployment models that enable smaller institutions to compete effectively with larger competitors while maintaining operational excellence.
Limitless Potential
We design for scalability and growth, ensuring our solutions evolve with our customers’ ambitions and market opportunities. Our platform architecture supports expansion from startup digital banks to enterprise financial institutions without requiring system replacement or major architectural changes. This scalability applies to transaction volumes, geographic expansion, product complexity, and regulatory requirements.
Built on Proven Foundations, Designed for the Future
Open Source
Leadership
Our foundation on the award-winning Apache Fineract® project demonstrates our commitment to community-driven innovation and transparent development practices. By contributing to and building upon this established platform, we leverage decades of collective development experience while ensuring our customers benefit from continuous community innovation.
Modern
Architecture
We enhance open-source reliability with proprietary cloud-native components, creating a MACH architecture specifically designed for financial services demands. This combination delivers the stability and community support of proven open-source technology with the performance, scalability, and specialized features that modern banking requires.
Customer-Centric
Innovation
Every feature and enhancement addresses real challenges faced by financial institutions in their digital transformation journey. We maintain close relationships with our customers, incorporating their feedback into platform development and ensuring our solutions evolve with changing market needs.
Where Open Source Meets Commercial Excellence
Apache Fineract®
Apache Fineract® is the most mature and widely used open-source core banking platform, supporting millions of customers worldwide. The project benefits from contributions by top financial technology firms and institutions, driving ongoing innovation and enhancements. Building on this foundation, we offer our customers proven reliability and give back innovations to the community.
MACH Architecture
Microservices allow independent scaling and updates of system components, reducing deployment risks and enabling continuous innovation without system-wide disruption. API-first design ensures seamless integration with existing systems and third-party services while supporting multiple customer touchpoints. Cloud-native deployment offers unlimited scalability, global availability, and cost savings through efficient resource use.
Proprietary Enhancements
Our proprietary components meet specific financial industry needs that generic open-source solutions cannot fully address. These include advanced security, specialized compliance, performance optimizations for high-volume transactions, and banking-focused integration tools. We retain these enhancements as commercial intellectual property while ensuring seamless integration with the open-source foundation.
Partnerships and Community
Open Source Contributions
Open Source Contributions
We actively contribute code, documentation, and expertise to Apache Fineract and related open-source projects, ensuring the community benefits from our commercial development efforts. These contributions include performance improvements, security enhancements, and new features that benefit all users of the platform.
Industry Partnerships
Industry Partnerships
Strategic relationships with cloud providers, system integrators, and specialized fintech companies enhance our platform capabilities and provide customers with comprehensive solution options. These partnerships enable us to offer complete implementations while focusing our development efforts on core
We are Building the Future of Financial Services
Our roadmap emphasizes emerging technologies—artificial intelligence, blockchain, and advanced analytics—while staying true to simplicity, accessibility, and limitless potential. We track regulatory changes, customer needs, and innovations to keep Kalydos at the forefront of banking technology. Our aim is to help every financial institution compete in a digital world while preserving the trust and reliability customers expect.
